This is really disappointing. HDFC wouldn't ever do this to you if you used your debit card for transactions (I realize this isn't feasible for every vendor, I

This is really disappointing. HDFC wouldn't ever do this to you if you used your debit card for transactions (I realize this isn't feasible for every vendor, I just mean conceptually). Now I have to wonder why Amex was banned for so long for not localizing data. The other payment apps with localized data aren't really doing that much to protect it!